Payday Loans in Sacramento, CA 95828 – Apply Online with 15M Finance
At 15M Finance, getting a payday loan of up to $255 is quick and hassle-free — often in under an hour. Whether you stop by our store at 8121 Berry Ave, Sacramento, CA 95828 during business hours or fill out our 24/7 online application, we’ve got flexible options to suit your schedule.
Bad credit? No problem. We welcome all credit backgrounds and specialize in emergency cash solutions when you need them most. Skip the stress of traditional banks — there’s no credit check, no lengthy paperwork, just a simple and fast process designed with you in mind.
Complete Guide to Payday Loans in California: Rules, Rates & Requirements
To help prevent excessive fees and recurring debt, California has implemented strict rules governing payday loans. Here’s an overview of how these short-term loans are handled within the state:
| Feature | Details |
|---|---|
| Loan Cap | Up to $300, inclusive of any lender-imposed fees |
| Repayment Period | Maximum of 31 days |
| Fee Limit | Capped at 15% of the total check amount |
| Finance Charges | Around $17.65 per $100 borrowed |
| Annual Percentage Rate (APR) | Approximately 460% (varies depending on loan term) |
| Loan Rollovers | Not permitted under state law |
| Extended Payment Plans | Offered at the lender’s discretion — no additional charges allowed |
Explore 15M Finance: Sacramento’s Trusted Hub for Fast, Reliable Loans
At 15M Finance, we’ve been proudly serving Sacramento with fast, small personal loans since 2016. Conveniently located at 8121 Berry Ave, Sacramento, CA 95828—just minutes from Danny Nunn Park and near Sierra Waste Recycling and Transfer Station—our store is easy to find and even easier to work with.
Our welcoming team is here to provide personalized financial support, guiding you through flexible loan options that fit your unique needs. We know your time is valuable, so we keep things quick and simple—no hard credit checks, no unnecessary delays.
Whether you have good credit, bad credit, or something in between, we’re here to help you get the cash you need—fast. Drop by today and leave with peace of mind and money in your pocket, all from a trusted name in Sacramento lending.
8121 Berry Ave, Sacramento, CA 95828, USA
Monday – Saturday: 8:00 am to 10:00 pm
Sunday: 10:00 am to 4:00 pm
Explore Our Loan Services in Sacramento
At 15M Finance, we provide a variety of flexible financial solutions designed to support your goals—whether you need quick cash now or a longer-term plan for the future:
Payday Loans
Payday loans in Sacramento, also referred to as cash advances, are designed to help you tackle sudden financial setbacks with ease. These short-term loans let you access up to $255 in as little as 24 hours, with repayment scheduled around your next paycheck—usually within 31 days. It’s a fast, convenient way to stay on top of life’s unexpected expenses.
Installment Loans
An installment loan provides a practical way to handle long-term expenses with ease. You can access loan amounts ranging from $1,000 to $5,000 and repay them in manageable monthly installments over a period of 2 to 24 months, giving you both flexibility and peace of mind.
Title Loans
In Sacramento, title loans offer a fast and convenient way to access funds by leveraging your vehicle’s value. You can borrow up to 50% of your car’s estimated worth—while still keeping full use of your vehicle throughout the loan term.
Check Cashing
If you're in California, our Sacramento and statewide locations offer quick and convenient check cashing services. All you need is a valid ID—no bank account required. Skip the long lines and paperwork at traditional banks and get your cash in minutes, stress-free.
A Simple Way to Get a Payday Loan in Sacramento with 15M Finance
Applying is fast and easy—just follow these three simple steps to get started:
Step 1: Quick & Easy Application
Getting started is simple—just fill out our short loan request form. You can do it online anytime, day or night, in just about 5 minutes. Need a little help or have a special situation? Visit us in-store for friendly, personalized support.
Step 2: Instant Approval Without the Credit Hassle
No hard credit checks here, so your score stays untouched. Our streamlined process means you’ll get a fast decision—often within minutes. Once approved, take a moment to review your offer and sign when you’re ready.
Step 3: Fast Access to Your Funds
Choose how you want to receive your money. Apply in-store and walk out with cash, or apply online and have the funds deposited directly into your bank account—typically by the next business day.
Here’s Everything You’ll Need to Kickstart Your Application
To make your application smooth and speedy, have these items ready when you stop by:
| What to Bring | Why It’s Needed |
|---|---|
| Valid Government-Issued ID | To verify your identity |
| Social Security Number | For secure and accurate processing |
| Proof of Income | To confirm your ability to repay (e.g., pay stub, statement) |
| Proof of Address | To verify your current residence (e.g., utility bill, lease) |
| Bank Account Information | For direct deposit of funds |
| Employer’s Contact Details | To help confirm your employment status |
How to Borrow Responsibly Without the Stress
At 15M Finance, we’re here to help you borrow smart and stress-free.
Making good financial decisions starts with knowing the basics. Here are a few friendly tips to help you borrow responsibly and confidently:
| Smart Borrowing Tip | Why It Matters |
|---|---|
| Know Your “Why” | Understand exactly why you need the loan—borrow with a clear purpose, not impulse. |
| Only Borrow What You Need | Even if you’re approved for more, stick to the essentials to avoid unnecessary debt. |
| Check If It Fits Your Budget | Review your income and expenses to make sure repayments won’t stretch you too thin. |
| Evaluate Your Financial Stability | If your income is unstable or you’re facing financial challenges, consider waiting. |
| Look Into Other Options | Compare alternatives—personal loans or family help may offer better terms. |
Locate Your Nearest 15M Finance Branch
Fast, Friendly Financial Help—Wherever You Are in California
At 15M Finance, we’re committed to making financial support quick, easy, and accessible. Whether you’re in Sacramento, Pasadena, or Fresno, you can visit one of our convenient locations for in-person assistance.
Prefer to stay in? No problem—you can apply online anytime, right from the comfort of your home. Wherever you are, we’re here to help you get the funds you need, fast.
Not in California? We’re Closer Than You Think!
15M Finance proudly serves customers across the U.S.—not just in California. With locations in several states, it’s easy to find a branch near you.
Browse the list below to discover the location that’s nearest to your area.
Here’s Why Customers Trust 15M Finance
At 15M Finance, You Come First
We’re more than just a lender—we’re a financial partner committed to helping everyday people access the money they need, especially when traditional banks say no. Here’s how we make borrowing easier, faster, and more accessible:
| What We Offer | Why It Matters |
|---|---|
| Quick & Hassle-Free Application | No faxes, no piles of paperwork. Whether online or in-store, the form takes just 5 minutes to complete. |
| Fast, Credit-Friendly Approvals | We don’t run hard credit checks, so your score stays safe—and you’ll get a decision in minutes. |
| Loans for All Credit Types | Got less-than-perfect credit? No worries. If your income is steady, you may still qualify. |
| Speedy Access to Funds | Walk into a store and leave with cash, or apply online and receive your money within 1 business day. |
| Support That Cares | Our friendly team is here to help—whether you need guidance or personalized loan advice. |
| Secure & Private | Your information is safe with us. We use advanced encryption and never share your data without permission. |
Frequently Asked Questions (Made Simple)
Is 15M Finance a Legitimate Lender?
Yes, 15M Finance is a licensed and regulated lender, fully compliant with California’s state lending laws. We operate with integrity and transparency, and you’re welcome to request our licensing information at any time.
Can I Qualify for a Payday Loan with Bad Credit?
Yes, you can! We don’t judge you based on your credit score alone. At 15M Finance, we review your overall financial stability—so even if your credit isn’t perfect, you could still be eligible as long as you have a steady income.
Will Applying with 15M Finance Affect My Credit Score?
No worries here—our application process includes only a soft credit check, which won’t impact your credit rating. We use alternative evaluation methods to responsibly assess your repayment ability without putting your score at risk.
What’s the Maximum Payday Loan Amount in Sacramento?
California law caps payday loans at $300 total, including any fees. That means the most cash you can receive is typically $255, with the remaining $45 covering lender fees. Your approved loan amount depends on your income and eligibility.
How Quickly Can I Receive My Loan Funds?
Need cash fast? If you apply in-store, you can receive your money on the spot—right after approval. Prefer to apply online? You’ll usually get your funds within one business day, and in some cases, same-day funding is available if approved early in the day.
How Much Does a Payday Loan Cost in Sacramento, CA?
Payday loan fees in California are legally capped at 15% of the check amount. For example, borrowing $100 will cost you $17.65 in fees. While the APR may seem high, these loans are designed for short-term, emergency use, not long-term borrowing.
Fast Cash When You Need It Most – Apply for a Cash Advance in Minutes!